Interest rate spread (lending rate minus deposit rate, %) in Thailand
Thailand: Interest rate spread (lending rate minus deposit rate, %) was 3.8% in 2025. ▼ Falling
Interest rate spread in Thailand, 1977–2025
Source: International Financial Statistics database, International Monetary Fund (IMF). Measured in lending rate minus deposit rate, %.
Analysis
In 2025, interest rate spread in Thailand stood at 3.8%.
That represents a change of up 33.1% on the previous year and up 16.2% over ten years.
Over the whole period, interest rate spread in Thailand peaked at 4.7% in 2001 and was at its lowest, 1.7%, in 1995.
Thailand ranks 91st of 141 countries on this measure, in the middle of the range.
The long-run direction has been consistently falling across the 47 years of available data.
Interest rate spread (lending rate minus deposit rate, %) in Thailand, year by year
| Year | lending rate minus deposit rate, % | Change |
|---|---|---|
| 1977 | 2.9% | — |
| 1978 | 3.0% | +2.9% |
| 1979 | 4.7% | +58.0% |
| 1980 | 4.1% | -11.9% |
| 1981 | 4.7% | +13.6% |
| 1982 | 4.0% | -15.9% |
| 1983 | 2.2% | -44.2% |
| 1984 | 3.8% | +71.7% |
| 1985 | 3.1% | -18.7% |
| 1986 | 3.6% | +17.6% |
| 1987 | 2.0% | -43.7% |
| 1988 | 2.1% | +2.0% |
| 1989 | 2.8% | +32.0% |
| 1990 | 2.2% | -21.2% |
| 1991 | 1.7% | -20.2% |
| 1992 | 3.3% | +90.4% |
| 1993 | 2.5% | -22.8% |
| 1994 | 2.4% | -4.1% |
| 1995 | 1.7% | -31.6% |
| 1996 | 3.1% | +83.7% |
| 1997 | 3.1% | +2.0% |
| 1998 | 3.8% | +20.7% |
| 1999 | 4.2% | +11.6% |
| 2000 | 4.5% | +7.9% |
| 2001 | 4.7% | +4.1% |
| 2004 | 3.5% | -26.9% |
| 2005 | 3.1% | -11.2% |
| 2006 | 1.9% | -36.9% |
| 2007 | 3.2% | +65.7% |
| 2008 | 3.3% | +2.5% |
| 2009 | 3.8% | +14.2% |
| 2010 | 3.1% | -16.5% |
| 2011 | 2.6% | -16.7% |
| 2012 | 2.6% | -0.9% |
| 2013 | 2.6% | +1.6% |
| 2014 | 3.2% | +21.6% |
| 2015 | 3.3% | +3.2% |
| 2016 | 3.2% | -4.0% |
| 2017 | 3.1% | -1.3% |
| 2018 | 2.9% | -8.6% |
| 2019 | 2.7% | -6.7% |
| 2020 | 2.7% | +0.1% |
| 2021 | 2.7% | -0.6% |
| 2022 | 2.6% | -1.0% |
| 2023 | 2.9% | +10.8% |
| 2024 | 2.9% | -1.1% |
| 2025 | 3.8% | +33.1% |
Thailand compared with similar countries
- Thailand's 3.8% is below the median for upper middle income countries, which is 5.4%, 72% of the median. (49 countries reporting)
- Thailand's 3.8% is below the median for East Asia & Pacific, which is 5.0%, 77% of the median. (25 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1970s | 3.5% | 2.9% | 4.7% | 3 |
| 1980s | 3.2% | 2.0% | 4.7% | 10 |
| 1990s | 2.8% | 1.7% | 4.2% | 10 |
| 2000s | 3.5% | 1.9% | 4.7% | 8 |
| 2010s | 2.9% | 2.6% | 3.3% | 10 |
| 2020s | 2.9% | 2.6% | 3.8% | 6 |
Countries ranked near Thailand
More financial sector data for Thailand
- Reserve position in the IMF, US dollar, annual growth rate 8.39 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 16.06 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 3.21 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0015 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 11.73 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 8.39 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 16.06 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 3.21 % change on previous year (2025)
Frequently asked questions
- What is interest rate spread in Thailand?
- Interest rate spread in Thailand was 3.8% in 2025, according to International Financial Statistics database, International Monetary Fund (IMF).
- What is the highest interest rate spread recorded in Thailand?
- The highest recorded value was 4.7% in 2001.
- What is the lowest interest rate spread recorded in Thailand?
- The lowest recorded value was 1.7% in 1995.
- How does Thailand rank for interest rate spread?
- Thailand ranks 91st out of 141 countries with data for 2025.
- Is interest rate spread rising or falling in Thailand?
- Over the last ten years it is up 16.2%. The long-run trend across the full record is falling.
- Where does this Thailand data come from?
- The figures come from International Financial Statistics database, International Monetary Fund (IMF), published as part of Interest rate spread (lending rate minus deposit rate, %). Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 47 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability.